Loan Products & Rates

Effective January 1, 2019

Autos

  • New Auto (2017 and newer) 3.99% – 14.74% up to 84 months
  • Used Auto (2016 and older) 4.49% – 16.49% up to 72 months

Boats

  • New Boat (2015 and newer) 5.24% – 15.49% up to 240 months
  • Used Boat (2014 and older) 6.74% – 16.74% up to 120 months

RV’s

  • New RVs (2015 and newer) 5.49% – 15.99% up to 240 months
  • Used RVs (2014 and older) 6.49% – 16.49% up to 180 months

Motorcycles – (Street legal only)

  • New Motorcycle (2015 and newer) 5.24% – 15.24% up to 72 months
  • Used Motorcycle (2014 and older) 6.74% – 16.74% up to 60 months

Credit Cards

  • MasterCard Cash Rewards 12.90%
  • MasterCard Platinum 13.90% – 16.90%
  • Small Business MasterCard Platinum 13.90%

For important information, see SFCU MasterCard rates, fees and disclosures


Personal Loans

  • Line of Credit 11.50%
  • Lifestyle / Signature / Partially Secured 10.24% – 18.00%
  • Share Secured 3.03%

Home Equity

  • Home Equity Line of Credit 7.00 %

For important information, see SFCU HELOC application and disclosures


All interest rates are express as APR.  APR = annual percentage rate

Important Loan Terms and Conditions
SFCU membership required. Rates are based on an evaluation of credit history and other factors specific to your loan (such as loan term, age of collateral, occupancy of collateral property, combined loan-to-value, lien status, loan amount, as applicable) and may be higher than the lowest rates advertised. Your final APR may differ from your loan interest rate due to additional fees that may apply.

Auto Loan
Lowest rates advertised are based on an established member’s loan with a term of 60 months or less and LTV of 100% or less. Rates are higher for LTV over 100% or terms greater than 60 months. LTV is based on NADA retail value, Kelley Blue Book value or dealer invoice. Terms up to 84 months. $15,000 minimum amount financed for 72 month term and $25,000 minimum amount financed for 84 month term. Rates will increase by 2% for collateral more than 7 years old or over 100k miles. Collateral not to exceed 150,000 in mileage on gas vehicles. No restrictions on diesel vehicles.

Boat
Available terms and loan amounts based on creditworthiness. Maximum 26’ in length with trailers. Maximum 100% LTV of NADA retail value on terms up to 180 months ($25,000 minimum finance amount). Maximum 90% LTV of NADA retail value on terms up to 240 months for A and A+ credit rating ($50,000 minimum finance amount).

RV
Available terms and loan amounts based on creditworthiness. Maximum 90% LTV of NADA retail value on terms up to 180 months ($25,000 minimum finance amount). Maximum 80% LTV of NADA retail value on terms up to 240 months for A and A+ credit rating ($50,000 minimum finance amount).

Motorcycle/Sports Vehicle
Available terms and loan amounts based on creditworthiness. Street Legal motorcycles only. Maximum 100% LTV of NADA retail value. Maximum Term up to 72 months depending on amount financed.

Personal Loans
Available terms and loan amounts based on creditworthiness. Loan amounts up to $30,000 depending on product, terms up to 72 months.

Share Secured Loan
Maximum loan amount is 100% of share account less $25 membership shares. Rate is 3% APR above share account’s current dividend rate as disclosed on your Share Account Agreement. Maximum loan term 60 months.

Home Equity Loan
For important information, see SFCU HELOC application and disclosures

Rates and Terms in effect as of January 1, 2019 and are subject to change without notice.

All Washington state residents are eligible to join.

Routing Number: 325182360 | Copyright © 2019 Sno Falls Credit Union. All rights reserved.

Equal Housing Opportunity Federally Insured by NCUA